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Sealy, TX

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Sealy Home Insurance Guide

 

The Cost of Sealy, TX Home Insurance

 

Your homeowners insurance policy is crafted specifically for you and your home’s needs. This is why how much you pay for home insurance will be different than what your neighbor pays. Two different homes, homeowners, and assets to protect = different policy premiums. Let’s take a closer look at the average home insurance rates in Sealy, TX, and how they compare to the state and national averages: 

 

  • National average1: $2,305
  • Texas average1: $3,429
  • Sealy, TX average: $1,300

 

Your Sealy, TX home insurance rate may be different from the national, Texas, and city averages, but it’s helpful to compare your rate to see if you need to make any changes to your policy. If your current policy is lower than the city average, then you might be underinsured, but if your rate is higher, then you might be overinsured or you’re just simply overpaying for your policy. 

 

However, it could also be your insurance carrier. Each carrier weighs different factors differently than the other, so the same policy at Progressive may be different than one with Allstate. Some factors you have some control or influence over and others you don’t. Let’s review some of the most common things home insurance carriers use to calculate your premium:

 

  • Location of your home (Ex: homes on the coast are a higher risk for hurricanes)
  • Local crime rates (Higher crime rates = higher premium)
  • The year, material type, and square footage of your home
  • How much coverage you need
  • If you qualify for any discounts
  • Your claims history 
  • Your credit score (Lower score = higher premium and vice versa) 

 

The best way to save on home insurance is to shop and compare your policy across 5-10 carriers to find the best policy for you. But that can be a time-intensive and tedious process and quite overwhelming if you don’t know what coverage you want or should have. At TGS Insurance, we take all the hassle away and make shopping for home insurance easy and stress-free. We’ll shop and compare your policy across our suite of 35+ A-rated (or better) providers to find you a policy that’s perfectly balanced in coverage and value! Getting home insurance in Sealy, TX has never been easier. 

 

Common Home Insurance Endorsements in Sealy, TX

 

Wind/Hail Coverage:

In 2020, Sealy, TX had 11 severe weather warnings with 6 of those producing hail. Houston, TX, and the surrounding cities are not immune to the number of hurricanes or tropical storms that come up through the Gulf, or the number of tornadoes and severe thunderstorms that occur during tornado season. Each of these weather events can produce devastating wind and hail damage that can be expensive for any homeowner without the right coverage to contend with. At TGS Insurance, we believe every homeowner should be protected for anything, which is why we automatically write a 2% wind/hail deductible into every Sealy, TX policy we issue! 

 

Flood Coverage:

One of the biggest misconceptions about home insurance is that flood damage is a covered peril and that’s simply untrue. For homeowners to have full protection against floods, a flood insurance policy is needed. According to FEMA, the average flood insurance policy is about $634 annually for Texans. At TGS Insurance, our average customer pays just $528 for flood insurance! We shop your policy through both private and government insurers to find you the coverage you need at a rate that works best for you. 

 

Mold/Fungi Coverage:

Your standard home insurance policy will cover any mold or fungi damage if the damage occurred due to a covered peril, such as water damage due to a ruptured water heater. We know that mold and fungi problems are common for homeowners in Texas, so we always strive to include the proper protections in each home insurance policy we craft so homeowners aren’t left to deal with a costly and downright gross problem to deal with on their own. 

 

Common Sealy, TX Home Insurance Questions from Our Customers

 

Are appliances considered personal property in homeowners insurance?

Appliances are considered personal property under your home insurance policy and will be covered from damage or loss due to a fire, water damage, or other listed perils. Homeowners can purchase equipment breakdown coverage for appliances that will offer financial protection for any mechanical or electrical failures. Financial coverage is not included for normal wear and tear, poor maintenance, and corrosion. 

 

Can you get homeowners insurance with bad credit?

Bad credit does not exclude any homeowner from getting home insurance. However, homeowners with less than stellar credit may have to pay a higher premium than those who have a better credit score. 

 

Will homeowners insurance pay for a new roof?

Most of the time homeowners insurance will pay for a new roof if the damage is the result of an accident or act of nature, such as a hail storm. Your insurance company will not pay for a new roof due to neglect or general depreciation.  

 

Zip Codes in Sealy, TX That We Insure:

  • 77474

 

Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!

 

Footnotes

1. https://www.bankrate.com/insurance/homeowners-insurance/homeowners-insurance-cost/

Home Insurance Carriers in Sealy, TX

Allstate Logo
Progressive Logo
Safeco Logo
Travelers Logo
AIG Logo
Metlife Logo
Allied Trust Logo
Maison Logo
Lighthouse Logo
Anchor Logo
 State Auto Logo
ASI Logo
The Hartford Logo
Foremost Logo
Empower Logo
TWIA Logo
National Lloyds's Logo
Liberty Specialty Logo

TGS Insurance is Sealy's Premier Home Insurance Provider

Sealy neighborhood

Sealy, TX is located about 50 miles west of downtown Houston is home to the world-famous Sealy Mattress! The small-town offers its residents a peaceful getaway from all the hustle and bustle of the nearby "Space City." There are several historical sites, museums, golf courses, wineries, and other activities for locals to enjoy. TGS Insurance is proud to be one of the leading home insurance providers to Sealy, TX residents!

Sealy neighborhood

TGS Insurance provides home insurance in Sealy, TX from dozens of A-rated (or better) insurance carriers. We understand that Sealy, TX homeowners all want the same thing- an exceptional policy with great coverage for a super-low rate. As a Texas-owned agency with unbeatable customer service, extensive industry knowledge, and of course, great home insurance policies, we win business from Sealy, TX homeowners every day!

Key Home Statistics in Sealy

6,446

Total Population in Sealy, TX

$192,998

Average Home Value in Sealy, TX

$56,064

Median Household Income in Sealy, TX

38

Median Age in Sealy, TX

Trust TGS Insurance in Sealy

Data as of October 16, 2021

15,000

Total
Customers

$4.27B

Total Assets Covered Projected

13,700

Total Homes Insured

5,200

Total Vehicles Insured

Local Home Resources in Sealy, TX

Fire Departments
Sealy Fire Dept121 Fowlkes St
Sealy, TX 77474
(979) 885-2222